CREDIT UNION ONE

Charter #62562 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

CREDIT UNION ONE has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.1% in tier
  • + Wallet Share Momentum: Top 16.1% in tier
  • + Emerging Performer: Top 18.5% in tier
  • + ROA 0.32% above tier average
  • + Net Interest Margin 0.98% above tier average
  • + Share Certificate Concentration (%): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 7.5% in tier
  • - Membership Headwinds: Bottom 17.6% in tier
  • - Credit Quality Pressure: Bottom 25.8% in tier
  • - Growth-at-Risk: Bottom 26.3% in tier
  • - Member decline: -2.5% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 108,401
-2.5% YoY-0.3% QoQ
 +9.7K 98,678
-1.9% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 65th in tier
Assets $1.7B
+1.8% YoY-1.2% QoQ
 +$11.5M $1.7B
+0.5% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $1.2B
+4.7% YoY+4.3% QoQ
 +$8.1M $1.2B
+0.5% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 61st in tier
Deposits $1.5B
+0.4% YoY-2.0% QoQ
 +$80.2M $1.5B
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 62nd in tier
ROA 1.0%
+7.7% YoY+3.2% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 20.7% in tier
NIM 4.2%
+8.4% YoY+3.3% QoQ
 +1.0% 3.3%
+9.3% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 6.6% in tier
Efficiency Ratio 73.4%
-0.2% YoY+0.0% QoQ
 -0.6% 74.0%
-10.9% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 0.5%
+3.1% YoY+0.2% QoQ
 -0.3 0.8%
+6.1% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 31st in tier
Loan To Share 80.9%
+4.2% YoY+6.4% QoQ
 -4.3% 85.2%
-0.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 31st in tier
AMR $25,606
+4.9% YoY+1.0% QoQ
 $-4K $29,172
+2.8% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 16.8%
-7.9% YoY-1.5% QoQ
 -12.2% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Bottom 8.4% in tier
Indirect Auto % 12.0%
-26.9% YoY-9.9% QoQ
 -6.8% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 40th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#38 of 264 • Top 5.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.93%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.4K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#117 of 264 • Top 16.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.93%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#99 of 184 • Top 18.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.02%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.54%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk
#19 of 85 • Bottom 7.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.02%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.54%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.6K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 16.81%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Membership Headwinds

decline
#43 of 85 • Bottom 17.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.54%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#198 of 217 • Bottom 25.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#147 of 161 • Bottom 26.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.67%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

20
Net Interest Margin (NIM)
profitability
Value: 4.24%
Peer Avg: 3.26%
#20 of 304 Top 6.2% in 1B-3B tier
28
Share Certificate Concentration (%)
balance_sheet
Value: 16.81%
Peer Avg: 28.53%
#28 of 304 Top 8.9% in 1B-3B tier
63
Return on Assets (ROA)
profitability
Value: 1.02%
Peer Avg: 0.70%
#63 of 304 Top 20.4% in 1B-3B tier

Top Weaknesses (3 metrics)

263
Member Growth Rate
growth
Value: -2.54%
Peer Avg: 2.20%
#263 of 304 Bottom 13.8% in 1B-3B tier
251
Deposit Growth Rate
growth
Value: 0.40%
Peer Avg: 5.58%
#251 of 304 Bottom 17.8% in 1B-3B tier
250
Fee Income Per Member
profitability
Value: $146.21
Peer Avg: $210.52
#250 of 304 Bottom 18.1% in 1B-3B tier